Hammer and wrench
E&O – Contractors

Contractors working outside

The ever-evolving roles and responsibilities of general contractors, construction managers, construction agents and construction trades make Contractors Professional Liability coverage a necessity in today’s business world. At Liberty, we understand your contracting client’s nuanced exposures, and our combined 50 years of underwriting expertise lends us the ability to understand each risk and custom-tailor our product to suit the unique needs of small to large companies, partnerships or practice groups.

Target classes

  • Canadian-domiciled, general or specialty contractors, construction managers and design-builders
  • Can consider a variety of standard to complex project types
  • Target contracting firms with comprehensive risk management practices, including in-house quality control/quality assurance procedures and protocols

What we’ve been writing

  • Contractor’s Professional Liability insurance for Alberta-based EPCM firm specializing in design, engineering, procurement and fabrication of modular gas and heavy oil processing plants, as well as compression equipment.
  • Contractor’s Professional Liability insurance for +$200M multi-disciplinary contracting firm specializing in sales and service of industrial earthmoving and construction equipment, paving machines, and forestry and mining equipment.
  • Project-specific Professional Insurance provided to a major contractor leading the design and construction of a private-public-partnership cancer treatment hospital project

Non-target classes

  • Asbestos contractors
  • Critical transportation equipment
  • Industries:
    • Amusement parks
    • Dams/offshore drilling
    • Marine piers and ports
    • Mining (including tailings work and shaft mining)
    • Oil and gas pipelines (including non-destructive testing)
    • Product design for mass production
    • Residential condos
    • Tunneling

Policy highlights

  • Multi-year option with annual reinstatement of limits
  • Pollution Incident coverage—BI/PD arising from the performance of Professional Services
  • BI/PD coverage in additional to third-party financial loss – arising from the performance of Professional Services
  • Mitigation of Loss: reimbursement of reasonable expenses to mitigate Damages resulting from a pre-claim Design Error
  • Supplemental Payments Extensions (no applicable Deductible)
    • Pre-Claims Assistance: resulting from Liberty investigations
    • Reimbursement Expenses: Actual loss of earnings and reasonable expenses when attending hearings, depositions and trials
    • Disciplinary Proceedings: Reimbursement of reasonable lawyer’s fees
    • ODA, NHA or OHSA Expense Reimbursement
    • Loss of Document(s)
  • Broad Definition of Professional Services including practice as an architect, engineer, scientist, construction manager, environmental consultant and LEED AP
  • Mediation Deductible Credit of 50% (to a maximum reduction of $25,000) for Claims resolved through Mediation
  • Coverage for Insured’s participation in a joint venture
  • Worldwide territory coverage


  • Limit(s) of Liability available up to $25 million CAD/USD

The Liberty difference

  • Project-specific and practice policies available (Primary or Excess)
  • Dedicated and bilingual Contractors’ E&O underwriting and claims professionals
  • In-house claims handling expertise with local authority and specialization in architects, engineers, and contractors’ professional liability
  • International capabilities with more than thirty offices worldwide

Why Liberty?

  • • A.M. Best Financial Strength Rating ‘A’ (Excellent); S&P rating of ‘A’ (Strong)
  • • Efficient cross-border capabilities
  • • Established Canadian market presence for over 25 years
  • • Access to Liberty Mutual’s extensive international network
  • • Local underwriting authority
  • • Local risk engineering and risk control experts
  • • In-house claims service team